With this project, the Sponsor aims to raise 95 000 Euros by providing the first-rank mortgage on a property located in Rua A Lote P8E Cave Fração M, 6000-459 Castelo Branco, in Portugal. The estimated market value of the collateral is 206 000 Euros. The collateral is a 462m2 warehouse in a horizontal property regime, built in 2019, located at the -1 floor of an industrial project in Castelo Branco. It has a concrete structure, brick wall, metallic roof structure with sandwich panel coverage, and an aluminium gate. According to the property valuation report, the interior and exterior are in good condition.The loan amount will be used to execute the property purchase following the previous signature of a Promissory Sale and Purchase Agreement (PSPA), where the Sponsor paid 60 000 Euros in advance. Therefore, the total contracted purchasing price is 155 000 Euros.The Sponsor will establish the first-rank mortgage at the exact moment of purchase public notary deed.According to the attached expert assessment, the project's short-term liabilities ratio to the collateral (LTV) value is 47% and considering the purchasing price, the LTV value is 62%.The loan's interest rate is 11% per annum, paid monthly.The principal payment will be made as a bullet payment at the end of the loan period. The loan period is 12 months, with a Sponsor's option to extend the loan period by 3 months with the obligation to increase the interest rate by 2% for the extended period. The source of loan repayment will be the Sponsor's funds, bank loan, sale of other sponsor properties, or sale of this property.

Warehouse_Castelo_Branco

Käesoleva investeerimisvõimaluse Sponsor soovib kaasata EUR 95,000. Laenu tagatiseks pakub Sponsor 1. järgu hüpoteeki kinnistule aadressiga Rua A Lote P8E Cave Fração M, 6000-459 Castelo Branco, Portugal. Tagatisvaraks on 2019. a. valminud laoruumid kasuliku pinnaga 462 m2, mille väärtuseks on EUR 206,000. Ruumid on osaks suuremast laoruumide kompleksist, kuid on kasutatavad täiesti iseseisvalt ning on käsitletav kui eraldiseisev kinnisasi. Kompleksi karkass on rajatud betoonist ja terasest konstruktsioonile, vaheseinad on ehitatud tellistest. Vastavalt hindamisaktile on tagatisvara heas seisukorras.Laenu eesmärgiks on rahastada tagatisvara omandamist. Sponsor on teinud ettemaksu summas EUR 60,000. Tehingu mahuks on kokku EUR 155,000.Hüpoteek tagatisvarale seatakse koos ostutehingu vormistamisega.Vastavalt hindamisaktile on tagatisvara ja laenusumma suhteks (LTV) 47%. Võttes aluseks kinnistu tehinguväärtuse, moodustub LTV 62%.Intressimääraks on 11% aastas, intressimakseid tehakse igakuiselt.Laenusumma tagastatakse laenuperioodi lõpus.Laenuperioodiks on 12 kuud. Sponsoril on ühepoolne õigus laenuperioodi pikendada ühel korral kuni 3 kuu võrra, makstes pikendatud perioodi vältel 2% võrra kõrgemat intressi.Laenusumma tagasimaksmise allikaks on Sponsori äritegevusest tekkiv rahavooog, refinantseerimine, Sponsori muude kinnisvarade müük või tagatisvara müük.

Rahastuseesmärk:	€ 95000
Oodatav tootlus:	11 % aastas
Investeerimisperiood:	12 kuud
Riskikategooria:	A Riskihindamise mudel
LTV:	Madal risk %
Capital stack:	Tagatud laen

Rua A P8E, Castelo Branco

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